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MONEY DIARIES: A Frontline Worker With A Heart Of Gold · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money the podcast
• 1:00
  Speaker 4: Millennials who want financial freedom. Welcome back to another shop
• 1:04
  Speaker 4: back money Dairy Monday, where we get to talk to
• 1:06
  Speaker 4: a community member to learn about them, their money and
• 1:09
  Speaker 4: all of the fun bits and pieces in between. Victoria,
• 1:12
  Speaker 4: I have a pretty hectic one for you this week.
• 1:15
  Speaker 4: To be honest, this diarist is an absolute true but
• 1:18
  Speaker 4: there is no other word for it.
• 1:20
  Speaker 2: Oh, I want to hear it.
• 1:21
  Speaker 4: Let's go and just before we get into it, I
• 1:24
  Speaker 4: do want to put in a content warning. We talk
• 1:26
  Speaker 4: about some pretty heavy topics in this direst email. You know,
• 1:30
  Speaker 4: if you find concepts like physical and mental injury or
• 1:34
  Speaker 4: life and death experience is something that's a little bit
• 1:36
  Speaker 4: hard to listen to, this might not be the episode
• 1:38
  Speaker 4: for you. So our diarist says, I grew up in
• 1:41
  Speaker 4: the country with my parents running the local Chinese restaurant.
• 1:44
  Speaker 4: After many different roles, I joined a frontline emergency services
• 1:47
  Speaker 4: job in two thousand and nine, stationed in Western Sydney,
• 1:50
  Speaker 4: and I was medically discharged last year with PTSD and
• 1:53
  Speaker 4: a physical injury. My partner was diagnosed with cancer in
• 1:56
  Speaker 4: feb of twenty twenty, and he passed away in October
• 1:59
  Speaker 4: last year, leaving behind an eighteen year old and a
• 2:02
  Speaker 4: twenty two year old. His will was old and it
• 2:04
  Speaker 4: was in the midst of being updated when he passed.
• 2:07
  Speaker 4: He was too unwell to sign the final draft. Over
• 2:10
  Speaker 4: this time, I also had somebody try to steal my identity.
• 2:14
  Speaker 4: I have been in a lot of therapy due to
• 2:16
  Speaker 4: my PTSD, but in January my psych past which complicated
• 2:19
  Speaker 4: things tremendously as I was in the midst of suing
• 2:22
  Speaker 4: my former employer. I'm okay for money right now. Due
• 2:25
  Speaker 4: to a payout from work cover, but I'm not sure
• 2:28
  Speaker 4: how my partner's estate will settle. I look forward to
• 2:30
  Speaker 4: sharing my complex story with the community.
• 2:33
  Speaker 2: Holy moly, Jess money Darist, Welcome to the show. How
• 2:38
  Speaker 2: are you?
• 2:39
  Speaker 5: Oh?
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  Speaker 6: You know, it's a bit confronting hearing it all back.
• 2:43
  Speaker 6: And I think my self talk is pretty pretty low.
• 2:47
  Speaker 6: So I normally ex say to myself, oh, you know what,
• 2:49
  Speaker 6: you just need to suck it up. But I was
• 2:51
  Speaker 6: listening to that story and I thought, my god, that
• 2:54
  Speaker 6: poor human.
• 2:56
  Speaker 2: Yes, too much, actually too much to suck up. That's
• 2:58
  Speaker 2: not a thing, is it's not a thing? Like I
• 3:01
  Speaker 2: just feel like that negative self talk is absolutely serving nobody.
• 3:06
  Speaker 2: And anyone who just heard that story would be like,
• 3:10
  Speaker 2: oh my gosh, like that is blow after blow after blow.
• 3:14
  Speaker 6: Yeah, it's a bit relentless at the.
• 3:16
  Speaker 2: Moment, it would feel that way. All right, let's get
• 3:19
  Speaker 2: into the structured questions so we can get comfy, get
• 3:22
  Speaker 2: on the same page, and then we can have a
• 3:25
  Speaker 2: bit more of a chat on the other side of
• 3:27
  Speaker 2: this episode, Money Diarist, can you tell us a little
• 3:30
  Speaker 2: bit about your money story?
• 3:32
  Speaker 6: Yeah, so life, I said, I grew up in regional
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  Speaker 6: New South Wales when my parents owned a little restaurant.
• 3:39
  Speaker 6: We didn't talk about money a lot at all. But
• 3:43
  Speaker 6: I worked at the family restaurant, so I learned really
• 3:46
  Speaker 6: good work ethic, but probably didn't really learn the value
• 3:50
  Speaker 6: of money, not that I was given everything, but more
• 3:55
  Speaker 6: that I had to work for what I got.
• 3:57
  Speaker 2: Did you have a salary?
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  Speaker 6: I got paid ten bucks and start his slave.
• 4:02
  Speaker 4: Labor, slave labor, I mean, when it's your family, though,
• 4:06
  Speaker 4: what are you gonna do?
• 4:07
  Speaker 5: Exactly?
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  Speaker 6: So I moved to Sydney when I was eighteen to
• 4:11
  Speaker 6: study hospitality, and I had a boyfriend at the time
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  Speaker 6: who I ended up supporting for a couple of years,
• 4:18
  Speaker 6: and then I broke up with him. I moved to
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  Speaker 6: Queensland when I was twenty one and then moved back
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  Speaker 6: to Sydney for a guy who is now my ex,
• 4:28
  Speaker 6: and continued working in hospitality or probably worked anywhere up
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  Speaker 6: to three jobs at once, and I was living pretty
• 4:35
  Speaker 6: much paycheck to paycheck at that stage. I did end
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  Speaker 6: up studying massuch therapy and mine now ex talked me
• 4:43
  Speaker 6: into joining an armored the emergency services when I was
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  Speaker 6: twenty seven. When I started working there, and then in
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  Speaker 6: twenty thirteen he cheated on me and I pretty much
• 4:58
  Speaker 6: walked out the door with my dog good. We've been
• 5:03
  Speaker 6: together for about ten years and he had a pretty
• 5:06
  Speaker 6: decent property portfolio and I refused, I wouldn't take any
• 5:10
  Speaker 6: of it. I ended up getting together with my partner,
• 5:15
  Speaker 6: and then in early twenty nineteen is when I went
• 5:21
  Speaker 6: off work with my psychological injury, and then I did
• 5:26
  Speaker 6: therapy all through that year pretty much, and then I
• 5:29
  Speaker 6: had surgery on a physical injury from work, and two
• 5:34
  Speaker 6: weeks after my surgery, my partner was diagnosed with cancer.
• 5:39
  Speaker 6: And then we pretty much spent eighteen months juggling my
• 5:43
  Speaker 6: treatment and his treatment, and I was medically discharged from
• 5:49
  Speaker 6: work last year early last year, and he passed away
• 5:55
  Speaker 6: late last year.
• 5:56
  Speaker 2: That is a shit show. There's no other way of
• 6:00
  Speaker 2: cat that. Like I can't be like, oh, are you really,
• 6:02
  Speaker 2: like if you're okay? Like I do not understand like
• 6:06
  Speaker 2: how anyone could be okay after that, Like that is
• 6:10
  Speaker 2: a lot to go through. I admire your strength.
• 6:13
  Speaker 6: Thanks.
• 6:14
  Speaker 5: Yeah.
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  Speaker 6: So I now have two legal matters going through with
• 6:20
  Speaker 6: my employer or my previous employer, and as well as
• 6:23
  Speaker 6: my partner's estate, which is just anny ay.
• 6:27
  Speaker 4: And something you don't need after going through such a
• 6:30
  Speaker 4: traumatic experience as well. And I'm so sorry that that
• 6:33
  Speaker 4: is the case.
• 6:34
  Speaker 6: Thanks.
• 6:36
  Speaker 2: What was your partner like?
• 6:37
  Speaker 5: Oh he was frustrating.
• 6:40
  Speaker 2: They all are.
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  Speaker 6: Oh no, he was frustrating and he was funny. We
• 6:50
  Speaker 6: we were like peas in a pod.
• 6:51
  Speaker 2: No, I'm so sorry to food. Good joint loves are
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  Speaker 2: very important. Was he also a dog person?
• 7:00
  Speaker 6: Yes, you can see the pictures behind me. This one
• 7:02
  Speaker 6: was his dog.
• 7:03
  Speaker 2: Yeah.
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  Speaker 5: This dog here is the one that I took from
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  Speaker 5: my ex.
• 7:07
  Speaker 1: Yeah.
• 7:07
  Speaker 6: Good, this one is my terrible naughty puppy because this
• 7:11
  Speaker 6: guy he passed away.
• 7:13
  Speaker 4: Oh my gosh, he has the cutest, cheekiest It's beautiful
• 7:16
  Speaker 4: art actually really lovely for everyone who can't see. She's
• 7:19
  Speaker 4: got beautiful portraits of her pappa's on the back wall
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  Speaker 4: which are just gorgeous.
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  Speaker 2: Yeah, they're stunning. And that one on the far right
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  Speaker 2: looks so cheeky, like he just looks like he's naughty.
• 7:29
  Speaker 5: She's the devil child.
• 7:32
  Speaker 2: Get along with Lucy, all right, money, darist, I want
• 7:37
  Speaker 2: to know the next question is what do you do
• 7:39
  Speaker 2: for work and how much money do you currently earn?
• 7:42
  Speaker 5: Well?
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  Speaker 6: I actually I like to tell people that I'm a
• 7:45
  Speaker 6: stay at home dog mum at the moment, live in
• 7:47
  Speaker 6: the dream. Yes, I'm on payments of seventy five thousand
• 7:52
  Speaker 6: a year and part of my payment is paid fortnightly
• 7:56
  Speaker 6: and part of my payment is paid monthly.
• 7:59
  Speaker 2: That's interesting and confusing. That would be hard to budget for.
• 8:02
  Speaker 6: It is very confusing sometimes.
• 8:05
  Speaker 2: So what does that leave you with because obviously you've
• 8:08
  Speaker 2: got someone going medical expenses like on a month to
• 8:11
  Speaker 2: month or fortnite to fortnite basis, what does that mean
• 8:14
  Speaker 2: hits your account? And how much is usually left in
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  Speaker 2: terms of wiggle room?
• 8:19
  Speaker 6: So fortnightly I get paid about one thousand dollars and
• 8:25
  Speaker 6: then monthly I'm paid about three thousand. So at the moment,
• 8:33
  Speaker 6: my insurer is still paying all of my medical expenses,
• 8:37
  Speaker 6: so that's a bit of the bonus good. So that
• 8:39
  Speaker 6: basically comes in and I'm okay as well as like,
• 8:44
  Speaker 6: we're probably going to get into this in a little
• 8:46
  Speaker 6: bit with loans and stuff.
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  Speaker 5: Because the mortgage is in my partner's name.
• 8:51
  Speaker 6: Everything has been put on a whole, so I'm not
• 8:53
  Speaker 6: making any mortgage repayments or anything like that. And the
• 8:56
  Speaker 6: only other loan that we had was on the dream
• 9:00
  Speaker 6: car that we bought, and again because that's in his name,
• 9:04
  Speaker 6: it's all been put on hold.
• 9:06
  Speaker 2: That is so fickle and so confusing, and also a
• 9:12
  Speaker 2: really good example of why it is so important to
• 9:15
  Speaker 2: have an up to date will, because no one thinks
• 9:17
  Speaker 2: about it, right. You just go, oh, I have a will.
• 9:19
  Speaker 2: It'll be fine. But an up to date will doesn't
• 9:23
  Speaker 2: change your life, but it changes your family's life and
• 9:25
  Speaker 2: the people that have to deal with everything after you're gone.
• 9:29
  Speaker 5: Definitely.
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  Speaker 6: I keep saying people, I'm really forceful. I'm always like,
• 9:32
  Speaker 6: have you got a will? If you don't have a will, like,
• 9:34
  Speaker 6: I will punch you in the favor.
• 9:36
  Speaker 5: Just for the people.
• 9:37
  Speaker 2: You love the aggression. I love it. It's like all
• 9:40
  Speaker 2: of my clients come and see me and I'll sort
• 9:43
  Speaker 2: out your finances, and I ask a question. I'm like,
• 9:45
  Speaker 2: will's in estate planning? Where are we at nearly? Oh,
• 9:48
  Speaker 2: it's fine, we're young. I'm like, cool, So I'll book
• 9:50
  Speaker 2: a meeting with Lucy. You're going to go, You're going
• 9:52
  Speaker 2: to do this because we're not having this conversation later.
• 9:56
  Speaker 2: But it is something that so many of us just
• 9:58
  Speaker 2: don't think is a p because we're young, right.
• 10:01
  Speaker 5: Yeah, and definitely.
• 10:02
  Speaker 6: And I keep saying to people, we get, but what
• 10:04
  Speaker 6: happens if a plane falls out of the sky and
• 10:05
  Speaker 6: lanes on top of you, like what happens?
• 10:07
  Speaker 2: Then yeah, exactly. We've got to expect the unexpected and
• 10:11
  Speaker 2: prepare for the worst. But I want to ask the
• 10:14
  Speaker 2: next question, my friend. I'd like to know, do you
• 10:17
  Speaker 2: have any investments.
• 10:18
  Speaker 6: I have my super yes, which is sitting at seven
• 10:23
  Speaker 6: hundred and one thousand.
• 10:26
  Speaker 5: Wow.
• 10:26
  Speaker 2: Wow, what seven hundred and one thousand. I think you've
• 10:30
  Speaker 2: got the highest super fund of anyone that we've ever
• 10:34
  Speaker 2: had on money diaries.
• 10:36
  Speaker 5: So I probably need to explain that.
• 10:39
  Speaker 6: Because of my injury, I was paid out my TPDEAH insurance,
• 10:45
  Speaker 6: so that was five hundred and forty thousand, and that
• 10:49
  Speaker 6: was put in with my super. So I actually spoke
• 10:51
  Speaker 6: to a financial advisor and he said, there's no real
• 10:54
  Speaker 6: point you're taking it out justly but where it is
• 10:56
  Speaker 6: until you've decided what you want to do with it.
• 10:58
  Speaker 5: So it's just great in their duldens.
• 11:01
  Speaker 6: And I also have just a little Rai's account that's
• 11:04
  Speaker 6: got about two and a half thousand.
• 11:06
  Speaker 2: Indn't it great? How good? Next question, do you have
• 11:11
  Speaker 2: any debts.
• 11:12
  Speaker 6: No, not well yes, but no, so not in my name.
• 11:16
  Speaker 6: I don't have any debts, but our mortgage and the
• 11:20
  Speaker 6: car loan is in my partner's name. So I think
• 11:23
  Speaker 6: we're owing about one hundred and fifty.
• 11:27
  Speaker 5: On the house.
• 11:29
  Speaker 6: And we bought our dream car, which was Aline Cruiser,
• 11:32
  Speaker 6: and we've got fifty five thousand left on that.
• 11:35
  Speaker 2: Land Cruisers are speno, but in this market they hold
• 11:38
  Speaker 2: their value so arguably not the worst investment. Let's be honest.
• 11:42
  Speaker 5: It's worth more than what we paid for it.
• 11:43
  Speaker 2: Honestly, everyone who has a land Cruiser keeps telling me that.
• 11:47
  Speaker 2: And I've got a client and he knows who he is.
• 11:49
  Speaker 2: He listens to the episodes. He bought one, and he's
• 11:52
  Speaker 2: like at the time, he's like, Victoria, it's a good investment.
• 11:54
  Speaker 2: And I was like, you've got rocks in your head. Boy,
• 11:56
  Speaker 2: did I learn?
• 11:57
  Speaker 5: Ha ha?
• 11:58
  Speaker 6: Yeah, they're not cheap.
• 11:59
  Speaker 2: They are not cheap. Next question, do you use shop
• 12:02
  Speaker 2: back by chance?
• 12:03
  Speaker 5: I do. I actually use it for these three guys.
• 12:07
  Speaker 6: I shop through pet Circle there, but I don't really
• 12:10
  Speaker 6: do much shopping or online shopping, to be honest with you,
• 12:13
  Speaker 6: but I do use it a little bit with Pet circle,
• 12:16
  Speaker 6: and you know, if I've got birthdays or something coming up.
• 12:19
  Speaker 2: Occasionally, I feel like it's just helpful for those things
• 12:23
  Speaker 2: that you were going to buy anyway, not necessarily like
• 12:25
  Speaker 2: going shopping. But pet circle great money win. I'm going
• 12:28
  Speaker 2: to get some more cash back because small gripe of mine.
• 12:32
  Speaker 2: How expensive pet food is?
• 12:33
  Speaker 1: Like?
• 12:33
  Speaker 6: What great?
• 12:34
  Speaker 5: Oh?
• 12:35
  Speaker 6: And my dogs they eat so much? All right?
• 12:37
  Speaker 2: I want to know what is your best money habit?
• 12:40
  Speaker 6: My best money habit. I'm pretty good at waiting things out, like, oh,
• 12:44
  Speaker 6: wait for a good price on something. And I'm not
• 12:47
  Speaker 6: scared of haggling. Like I said, we bought a land
• 12:50
  Speaker 6: Cruiser in twenty twenty, and your friend who you were
• 12:56
  Speaker 6: talking about before will probably be a bit impressed that
• 12:59
  Speaker 6: because they retail it about one hundred and four thousand,
• 13:01
  Speaker 6: and I haggled them down to ninety four. Oh and
• 13:04
  Speaker 6: I have yes, no clue why they gave it to
• 13:08
  Speaker 6: me for that price.
• 13:09
  Speaker 2: I love that. I love that. Just for context, I
• 13:12
  Speaker 2: think he spent close to one fifty and then did
• 13:15
  Speaker 2: all of these upgrades and stuff on it. I don't understand.
• 13:18
  Speaker 2: I just was sitting there being like this is a
• 13:20
  Speaker 2: bad idea, But turns out it was good idea. I
• 13:25
  Speaker 2: feel like haggling these days is very underlooked. People don't
• 13:29
  Speaker 2: do it. Do you find yourself haggling on a lot
• 13:32
  Speaker 2: of big purchases? I mean, you can't go to pet
• 13:34
  Speaker 2: Circle and be like, hey, can I spend less on
• 13:36
  Speaker 2: pet food? But things like cars and really bad purchasers. Oh,
• 13:40
  Speaker 2: that's not true.
• 13:42
  Speaker 6: Not if you go online and find a cheaper price online,
• 13:46
  Speaker 6: you can speak to the pet Circle people on their
• 13:49
  Speaker 6: little chat and then they'll go and have a look
• 13:51
  Speaker 6: at it, and then they'll give it to you for
• 13:52
  Speaker 6: the same price.
• 13:53
  Speaker 2: Oh my god, I'm going to do that. I'm going
• 13:55
  Speaker 2: to do that too. Money win, she is for that?
• 13:57
  Speaker 2: What is something you wouldn't haggle in that case?
• 14:00
  Speaker 6: Oh? Like, I'm not going to go to the supermarket
• 14:03
  Speaker 6: and hagle there.
• 14:06
  Speaker 2: You're not the type of person to peel the bananas
• 14:08
  Speaker 2: before trying to pay for them.
• 14:11
  Speaker 6: No, not that girl.
• 14:12
  Speaker 2: Yeah, okay, all right. On the flip side, what is
• 14:15
  Speaker 2: your worst money habit?
• 14:17
  Speaker 6: So my worst money habit is I'm probably not brave
• 14:20
  Speaker 6: enough to invest or put money into a term deposit,
• 14:24
  Speaker 6: and I know I really want to, and I've got
• 14:26
  Speaker 6: money there to do it. But I'm just like, oh,
• 14:30
  Speaker 6: I don't know, should I do it? I'm a little
• 14:33
  Speaker 6: bit It makes me just a little bit anxious to
• 14:36
  Speaker 6: be honest.
• 14:36
  Speaker 2: I get it, I get it. It's all about education,
• 14:39
  Speaker 2: though I'm making steps that make sense to you, and
• 14:41
  Speaker 2: to be honest at this point in your life, I
• 14:44
  Speaker 2: feel like that is a stress you just don't need.
• 14:46
  Speaker 2: Knowing enough about your financial circumstances, your age, and what's
• 14:50
  Speaker 2: in your super You're going to be just fine even
• 14:53
  Speaker 2: if we wait another twelve or twenty four months until
• 14:56
  Speaker 2: everything just feels a little bit clearer. I think that
• 14:59
  Speaker 2: this is it's just one of those things where it's like,
• 15:01
  Speaker 2: let's take that load off. And I think that there
• 15:03
  Speaker 2: shouldn't be any pressure to start an investment journey when
• 15:07
  Speaker 2: you're stressed about other things in life, like life needs
• 15:09
  Speaker 2: to sometimes come first. And I think that you're doing
• 15:12
  Speaker 2: the right thing by going in a what not my circus,
• 15:14
  Speaker 2: not my monkey's this week. I've got enough going on
• 15:17
  Speaker 2: because it's just another added stress, And the start of
• 15:20
  Speaker 2: an investment journey does involve you being quite involved in it, right,
• 15:24
  Speaker 2: Like you need to know what decisions you're making. It
• 15:26
  Speaker 2: can't be something that you just set and forget from
• 15:29
  Speaker 2: the beginning, because we really need to make sure that
• 15:31
  Speaker 2: we're making the right decisions that are in line with
• 15:33
  Speaker 2: our values and goals. But right now it sounds like
• 15:36
  Speaker 2: a little bit of a tumultuous time. So let's come
• 15:40
  Speaker 2: back to that one at some point, my friend. All right,
• 15:43
  Speaker 2: last question before we go on a bit of a
• 15:45
  Speaker 2: deep dive after the break. I'd like to know what
• 15:48
  Speaker 2: grade would you give yourself if we force you to
• 15:50
  Speaker 2: give yourself a money grade?
• 15:52
  Speaker 5: I would probably give myself like a bee.
• 15:54
  Speaker 6: I was much worse with my money than I am now,
• 15:58
  Speaker 6: and I'm learning a lot. I've been pretty good with
• 16:01
  Speaker 6: my savings, to be honest with you, because I have
• 16:04
  Speaker 6: about one.
• 16:05
  Speaker 5: Hundred and thirty thousand dollars.
• 16:07
  Speaker 6: Saved, oh my goodness, jobs in several different bank accounts.
• 16:12
  Speaker 6: So i'd probably give myself a bee because I feel
• 16:14
  Speaker 6: like I could learn much much more and I could
• 16:17
  Speaker 6: be a bit smarter with it. But at the moment, again,
• 16:21
  Speaker 6: but a little bit going.
• 16:22
  Speaker 2: On, Yeah, exactly, I would think that a bee is
• 16:25
  Speaker 2: a little bit harsh given how well you're doing, how
• 16:28
  Speaker 2: you've got good savings, good cash flow habits, you've got
• 16:31
  Speaker 2: epic super I would think that you are not giving
• 16:34
  Speaker 2: yourself enough credit, which I think might be a theme
• 16:37
  Speaker 2: that runs through your life at this point in time.
• 16:40
  Speaker 6: Well, you I'm pretty good at being pretty hard on myself.
• 16:44
  Speaker 2: I'm picking up that vibe. But let's dive into that
• 16:46
  Speaker 2: after this very quick break money diarist.
• 16:53
  Speaker 4: I want to kind of start at the start of
• 16:55
  Speaker 4: your message and talk about your injuries. And I really
• 17:00
  Speaker 4: like that you referred to your PTSD as your psychological injury,
• 17:04
  Speaker 4: because I really believe in the power of words, and
• 17:06
  Speaker 4: I think that too often psychological problems are kind of
• 17:11
  Speaker 4: not addressed with the same level of seriousness or directness
• 17:14
  Speaker 4: that physical injuries are. So I just want to say
• 17:16
  Speaker 4: I really like that you did that, and I will
• 17:17
  Speaker 4: be doing that going forwards. But obviously juggling a physical
• 17:22
  Speaker 4: and psychological injury at the same time would be very challenging.
• 17:25
  Speaker 4: And there has been a history in you know, the
• 17:28
  Speaker 4: emergency services of things sometimes you know, not being maybe
• 17:33
  Speaker 4: dealt with in a way that you would hope for
• 17:36
  Speaker 4: them to be dealt with, And I wanted to talk
• 17:38
  Speaker 4: to you a little bit about that experience because you
• 17:40
  Speaker 4: said you're still going through legal battles today, Can you
• 17:43
  Speaker 4: tell us a bit about what happened?
• 17:46
  Speaker 6: So for me, it was a little bit of a
• 17:47
  Speaker 6: build up of, you know, being exposed to a lot
• 17:52
  Speaker 6: of traumatic incidents over a long period of time, and
• 17:56
  Speaker 6: then I went to work and was with an incident
• 18:02
  Speaker 6: that when I walked away, I was really angry at
• 18:05
  Speaker 6: myself with how I dealt with it. So it's actually
• 18:09
  Speaker 6: considered like a moral injury because you've done something that
• 18:13
  Speaker 6: is you would not normally do or think. So I
• 18:18
  Speaker 6: actually ended up doing CPR on a local drug dealer
• 18:25
  Speaker 6: who I really despised, and I remember walking away thinking,
• 18:31
  Speaker 6: a uf and series, this is the one person that
• 18:33
  Speaker 6: I get to try and save today.
• 18:35
  Speaker 4: I mean, I can't even begin to imagine. But it's
• 18:39
  Speaker 4: such a testament to you as a person. To be
• 18:43
  Speaker 4: able to put your own personal feelings and all of
• 18:46
  Speaker 4: the things that you were dealing with at the time
• 18:48
  Speaker 4: to put them aside to do your job to save
• 18:51
  Speaker 4: somebody's life is nothing short of incredible. And regardless of
• 18:56
  Speaker 4: the choices that that person made, there is one more
• 18:59
  Speaker 4: person in this world because of you, and that is
• 19:02
  Speaker 4: just amazing.
• 19:03
  Speaker 2: That's so special, And I just feel like as a
• 19:06
  Speaker 2: frontline worker, you get dealt these cards where you can't
• 19:10
  Speaker 2: really place judgment over these things, like you're doing your job.
• 19:13
  Speaker 4: How big of a gap was there between that psychological
• 19:17
  Speaker 4: injury occurring and then your physical injury.
• 19:19
  Speaker 6: My physical injury actually occurred first. Okay, So when I
• 19:26
  Speaker 6: got my physical injury, I really didn't think anything of it,
• 19:29
  Speaker 6: and I just put in a form to say, you know,
• 19:32
  Speaker 6: I've done this. I think there might be an injury,
• 19:35
  Speaker 6: but I'm okay. I didn't get any treatment for it
• 19:39
  Speaker 6: at the time, and then several months later I was
• 19:42
  Speaker 6: at the doctors and I was speaking to him and
• 19:44
  Speaker 6: then spoke to my physiotherapist and she was like, oh,
• 19:49
  Speaker 6: I really think you may should maybe have a look
• 19:51
  Speaker 6: at getting some skins done on it. So I went
• 19:53
  Speaker 6: did that and then went back to the insurance company
• 19:57
  Speaker 6: was like, hey, listen, this is what's come up in
• 19:59
  Speaker 6: these skins, and then they pretty much took coverage of it.
• 20:03
  Speaker 6: And yeah, so I ended up having to have surgery
• 20:06
  Speaker 6: to repair the ligament in my wrist, So that was
• 20:09
  Speaker 6: pretty delightful.
• 20:11
  Speaker 4: Yeah.
• 20:11
  Speaker 2: No, it wouldn't have been. No, it wouldn't have been.
• 20:17
  Speaker 6: It has taken a long time to rehab risks.
• 20:19
  Speaker 4: Are so complex because there's so my partner's actually a physico,
• 20:22
  Speaker 4: and there's so many tiny, little minuscule bones in there.
• 20:26
  Speaker 4: And turns out you actually use your hands a lot
• 20:28
  Speaker 4: in day to day life and you hat so that happened.
• 20:32
  Speaker 4: You did the right thing. You filled out the form.
• 20:34
  Speaker 4: The insurance that you were referring to. Is that your
• 20:36
  Speaker 4: personal insurances that you had, or insurance through your employer.
• 20:40
  Speaker 6: No insurance through the employer.
• 20:42
  Speaker 4: Yeah, okay, So they looked after everything there and then
• 20:46
  Speaker 4: fast forward quite a few years to today. Where is
• 20:49
  Speaker 4: the sticking point with your employer? What is embroiling you
• 20:53
  Speaker 4: in this legal battle that stretched out over so much time.
• 20:56
  Speaker 6: So just because we're now at the final stages of
• 21:02
  Speaker 6: litigation with the insurance company as to whether or not
• 21:06
  Speaker 6: they are liable for my.
• 21:09
  Speaker 2: Injuries, yeah okay, And I'm assuming that pertains more to
• 21:13
  Speaker 2: the psychological injury than it does to the physical, Is
• 21:17
  Speaker 2: that correct? Yeah? That seems to be pretty standard in
• 21:20
  Speaker 2: frontline worker like life. But it actually disgusts me, like
• 21:24
  Speaker 2: the idea that the people that literally put their lives
• 21:28
  Speaker 2: on the line, like you spoke before that you did
• 21:31
  Speaker 2: CPR on a drug dealer, Like that is putting yourself
• 21:35
  Speaker 2: in And I'm sure you've been in a million more
• 21:37
  Speaker 2: dangerous situations that I don't understand and you know don't
• 21:41
  Speaker 2: know about, but like that's a circumstance that not every
• 21:44
  Speaker 2: single person would be willing to put themselves in for
• 21:46
  Speaker 2: the you know, greater good of the community and of
• 21:49
  Speaker 2: our you know, our space and our world, and then
• 21:52
  Speaker 2: things like this happen and you're not put in an
• 21:55
  Speaker 2: optimal position, like it just it makes me so angry
• 21:58
  Speaker 2: to think that you have to go through this and
• 22:01
  Speaker 2: you have to put your time and your energy and
• 22:03
  Speaker 2: your effort into making this happen, because ideally, if it
• 22:08
  Speaker 2: was up to them, it would have been swept under
• 22:09
  Speaker 2: the rug. I'm assuming that's exactly right.
• 22:11
  Speaker 6: It would have been you know, me just being a
• 22:14
  Speaker 6: number and then them being able to replace me so easily.
• 22:17
  Speaker 2: It's actually disgusting. So talk to me about next steps.
• 22:22
  Speaker 2: All of this is happening. You've been through a lot
• 22:25
  Speaker 2: in that space, and then you went through everything with
• 22:28
  Speaker 2: your partner in addition to this, Like how are you doing,
• 22:33
  Speaker 2: how are you dealing with this? Like what's going on
• 22:36
  Speaker 2: at the moment and what support are you getting, because
• 22:39
  Speaker 2: obviously that is so essential to this journey.
• 22:43
  Speaker 6: I'm probably pretty lucky, and I really built really good
• 22:48
  Speaker 6: support network around me, so I made sure, like you know,
• 22:52
  Speaker 6: I was pretty demanding with my treatment, so my psych
• 22:55
  Speaker 6: injury in particular, or I demanded, you know, the best,
• 23:00
  Speaker 6: the best psychologists and the best psychiatrists. And then I'm
• 23:04
  Speaker 6: super lucky to have the most amazing friends.
• 23:10
  Speaker 5: And family.
• 23:12
  Speaker 6: So I've relighted heavily on that with my psych injury.
• 23:18
  Speaker 6: I have also done like so much therapy, like group
• 23:21
  Speaker 6: therapy and stuff. And in one week I go to
• 23:25
  Speaker 6: a mental health facility for a little holiday away just
• 23:30
  Speaker 6: to try and deal with some.
• 23:32
  Speaker 5: Of my own stuff.
• 23:33
  Speaker 2: I think that is a very good step in the
• 23:35
  Speaker 2: right direction, and the support there twenty four to seven
• 23:40
  Speaker 2: will mean that you can just focus on you.
• 23:42
  Speaker 6: I'm super excited to not even have to cook my
• 23:45
  Speaker 6: own food.
• 23:46
  Speaker 4: I was going to say the real benefit of those places,
• 23:49
  Speaker 4: and a very close family member of mine spent some
• 23:51
  Speaker 4: time in a facility, and the benefit is really that,
• 23:56
  Speaker 4: you know, as a human being, you take on so
• 23:59
  Speaker 4: many little loads, like you said, the cooking or trying
• 24:02
  Speaker 4: to keep on top of the housework and going to
• 24:04
  Speaker 4: somewhere where all of that is alleviated and stripped back,
• 24:07
  Speaker 4: so you can really just be with yourself and focus
• 24:11
  Speaker 4: on you and everything that you've been through. I think
• 24:14
  Speaker 4: there's a lot of stigma attached to it, and I
• 24:16
  Speaker 4: think it's so ridiculous because actually, for a lot of people,
• 24:20
  Speaker 4: it's actually what you need is just the clarity of
• 24:23
  Speaker 4: sitting with yourself.
• 24:24
  Speaker 6: Yeah, definitely, I just need a little bit of time
• 24:26
  Speaker 6: out from the everything that's going on and just some
• 24:30
  Speaker 6: time to deal with everything that I'm going through.
• 24:34
  Speaker 2: I agree. I think it is a very positive step
• 24:36
  Speaker 2: in the right direction. But I want to ask because unfortunately,
• 24:40
  Speaker 2: when it comes to frontline workers, this isn't the first
• 24:43
  Speaker 2: time I've heard in our community legal battles going on
• 24:48
  Speaker 2: between you know, different services and previous employers because of
• 24:53
  Speaker 2: physical or mental injuries or even bullying. I just feel
• 24:57
  Speaker 2: like I think I'm in a very special pas right
• 25:00
  Speaker 2: like you guys, I hope and trust me with your
• 25:04
  Speaker 2: stories and trust me enough to reach out when these
• 25:07
  Speaker 2: things happen, And obviously I'll bend over backwards to make
• 25:10
  Speaker 2: sure you're in an okay position, But it just seems
• 25:13
  Speaker 2: all too prevalent what support are you getting? Obviously you've
• 25:17
  Speaker 2: got a really great support network, but are there resources
• 25:20
  Speaker 2: that you've been leaning on that other people in our
• 25:23
  Speaker 2: community might be able to lean on as well? Or like,
• 25:25
  Speaker 2: how are you dealing with this? And I won't say
• 25:28
  Speaker 2: so well because I'm sure you don't feel so well,
• 25:30
  Speaker 2: but I'm genuinely like what how is she going through
• 25:34
  Speaker 2: all of this and still going like, oh, I have
• 25:36
  Speaker 2: negative self talk? Like no, I want to pick you
• 25:39
  Speaker 2: up and hug you and send you on a holiday
• 25:41
  Speaker 2: and be like what can I do? Well?
• 25:46
  Speaker 5: I'd love a holiday.
• 25:48
  Speaker 6: So you know, if it's you know, dealing with, say
• 25:53
  Speaker 6: a mental health issue, I always suggest to people, you know,
• 25:57
  Speaker 6: you go to your GP and you speak to them
• 26:00
  Speaker 6: and get yourself a mental health plan because they will
• 26:03
  Speaker 6: cover either the whole cost or part of the cost
• 26:07
  Speaker 6: to see a psychologist or accounts or something like that.
• 26:10
  Speaker 6: So that's what I've always sort of suggest. As for
• 26:14
  Speaker 6: you know, when I was working in emergency services, I
• 26:18
  Speaker 6: don't think I took up any of the services that
• 26:21
  Speaker 6: they provided with, like for psychological stuff or anything like that.
• 26:27
  Speaker 6: I guess there was that still that stigma and I
• 26:30
  Speaker 6: didn't want to be tired with that brush. Now I'm
• 26:33
  Speaker 6: a bit like shit, I'll tell you everything.
• 26:36
  Speaker 2: Yeah, yeah. And I feel like that's also relatively common
• 26:40
  Speaker 2: as well. Like a lot of people that we've previously
• 26:43
  Speaker 2: discussed this with are very much on the page of
• 26:46
  Speaker 2: they don't want help from internal psychologists or internal support
• 26:51
  Speaker 2: because they just feel like it might be used against
• 26:54
  Speaker 2: them or might not be taken as seriously, whereas you know,
• 26:58
  Speaker 2: external help might be a little bit easier on you
• 27:01
  Speaker 2: and the process might be a little bit more comforting.
• 27:05
  Speaker 2: It's a hard position to be in, and I just
• 27:07
  Speaker 2: look at it and go, there's something wrong with the
• 27:09
  Speaker 2: system if this is like these are the situations that
• 27:12
  Speaker 2: you're finding yourself in.
• 27:14
  Speaker 6: It's so hard, Like you don't want to be that
• 27:16
  Speaker 6: person who's gone off with the head noise is right,
• 27:18
  Speaker 6: and then you come back and nobody wants to be
• 27:22
  Speaker 6: like working with you, or they don't want to, you know,
• 27:26
  Speaker 6: they don't want to associate with you because for whatever reason,
• 27:30
  Speaker 6: it's a really harsh stigma. And I mean, even since
• 27:33
  Speaker 6: I've been off, I've noticed that the people who stay
• 27:38
  Speaker 6: in contact with me are few and far between. There's
• 27:42
  Speaker 6: quite a lot of people who you know, I thought
• 27:44
  Speaker 6: I was really good friends with at the time because
• 27:47
  Speaker 6: we work together a lot, and then you know, I've
• 27:50
  Speaker 6: not heard boo from them since.
• 27:52
  Speaker 2: I hate that. But traumatic events often help you find
• 27:56
  Speaker 2: who your true friends are. And as much as it
• 28:00
  Speaker 2: feels like a loss, something that I said to a
• 28:02
  Speaker 2: friend the other day is sometimes you lose something and
• 28:05
  Speaker 2: it's not a loss. Like sometimes when you shed something,
• 28:08
  Speaker 2: it feels like a loss because you're like, wait, that
• 28:10
  Speaker 2: was so good, but it actually wasn't because it was
• 28:14
  Speaker 2: all not real. It wasn't authentic because if it was,
• 28:17
  Speaker 2: they would have followed up with you, they would have
• 28:19
  Speaker 2: cared about you. So not everything you lose is a loss,
• 28:22
  Speaker 2: my friend.
• 28:23
  Speaker 5: Oh that's so true.
• 28:25
  Speaker 2: All right. Shifting back to your partner, that is just
• 28:27
  Speaker 2: a blow that nobody ever needs, especially going through what
• 28:32
  Speaker 2: you're going through. I genuinely just cannot imagine. But to
• 28:37
  Speaker 2: add insult to injury, you're also now having to deal
• 28:40
  Speaker 2: with the will and the estate planning process. You mentioned
• 28:43
  Speaker 2: before that his will was outdated. What does that process
• 28:47
  Speaker 2: look like for you now and how are you dealing
• 28:50
  Speaker 2: with that?
• 28:52
  Speaker 6: So my partner, he was previously married and he has kids,
• 28:56
  Speaker 6: sick his ex wife, and at some stage previously.
• 29:00
  Speaker 5: You know, before me, there was a will.
• 29:02
  Speaker 6: Written and it is signed, and it's somewhere, but we
• 29:07
  Speaker 6: don't know where. He was in the process of rewriting
• 29:10
  Speaker 6: a new will and had written up a document which
• 29:13
  Speaker 6: he'd sent to a solicitor, and when she sent the
• 29:18
  Speaker 6: draft back was actually the day that he went back
• 29:20
  Speaker 6: into the hospital for the final time, and by the
• 29:24
  Speaker 6: time I got in to see him, he was so
• 29:26
  Speaker 6: doped up on morphine and drugs that he wasn't able
• 29:29
  Speaker 6: to sign it. So I contacted the solicitor and I said, listen,
• 29:33
  Speaker 6: I'm really sorry, we won't be able to do this.
• 29:35
  Speaker 5: She said, that's fine, because we have this document.
• 29:38
  Speaker 6: We may be able to just run it like as
• 29:41
  Speaker 6: per usual because it's a document that he's written.
• 29:45
  Speaker 2: Yep.
• 29:45
  Speaker 5: Anyway, so he passed away.
• 29:47
  Speaker 6: I contacted the solicitor to start the whole process, and
• 29:52
  Speaker 6: she basically came back and said to me, she said, oh,
• 29:56
  Speaker 6: that document, we've had another look at it and it's
• 29:58
  Speaker 6: probably not quite as water tight as it needs to be.
• 30:00
  Speaker 6: She said, we need to make attempts to try and
• 30:02
  Speaker 6: find the old will, and if we find it, then
• 30:06
  Speaker 6: you're basically going to have to go to court and
• 30:09
  Speaker 6: we're going to have to contest it to bring this
• 30:12
  Speaker 6: new will into play.
• 30:13
  Speaker 2: Ah and all because of a signature.
• 30:18
  Speaker 6: Yes, and then also a lot of things that you know,
• 30:22
  Speaker 6: sometimes you don't know until you've been through it. So
• 30:26
  Speaker 6: his kids are eighteen and twenty two, and in the
• 30:31
  Speaker 6: document that he wrote up he had requested that they
• 30:34
  Speaker 6: don't get the money until they're twenty five, but he
• 30:37
  Speaker 6: hadn't set up any trusts or anything like that. And
• 30:40
  Speaker 6: also the money his life insurance had beneficiaries listed, which
• 30:45
  Speaker 6: were the two kids, and I think he thought that
• 30:48
  Speaker 6: that would just automatically pay out the house and the
• 30:51
  Speaker 6: car loan and then go into.
• 30:53
  Speaker 5: The estate and then be divvied up.
• 30:55
  Speaker 6: And that's not how it works. The same sort of
• 30:58
  Speaker 6: thing for his superin stuff like that. And then you know,
• 31:02
  Speaker 6: so it's all a lot of waiting around and my
• 31:07
  Speaker 6: signature here and a signature there, and filling in this document.
• 31:10
  Speaker 6: So it is a bit of a nightmare. And I
• 31:15
  Speaker 6: implore people to just get a.
• 31:18
  Speaker 2: Will agreed, and get a good one, because, as you're
• 31:21
  Speaker 2: finding out now, just having a will doesn't mean it
• 31:25
  Speaker 2: will be facilitated in the way you want it to
• 31:27
  Speaker 2: be facilitated. So the example you just gave before, you
• 31:31
  Speaker 2: said that there are beneficiaries on his insurance and he's
• 31:33
  Speaker 2: super and he assumed that maybe it would pay off
• 31:36
  Speaker 2: the house and car and then be divvied up. Unfortunately,
• 31:39
  Speaker 2: for that to happen, it would have had to nominate
• 31:41
  Speaker 2: the estate first and then have a will that supports that.
• 31:46
  Speaker 2: That means that it would be divvied up after whatever
• 31:48
  Speaker 2: is left over, after getting rid of any debt and
• 31:51
  Speaker 2: making sure that everything's good. But that's something that you know,
• 31:54
  Speaker 2: the average person isn't going to know or even know
• 31:58
  Speaker 2: how to facilitate. One of the most important things that
• 32:01
  Speaker 2: you can do for your family is talk to a
• 32:04
  Speaker 2: wills and estate planning lawyer and just get it drawn up.
• 32:07
  Speaker 2: Like as much as it's not something we want to
• 32:10
  Speaker 2: talk about, like it is really morbid, right, Like it's
• 32:13
  Speaker 2: not something that anybody wants to face, Like facing your
• 32:16
  Speaker 2: o immortality is not a nice conversation, but being able
• 32:21
  Speaker 2: to have that conversation while that person is still there
• 32:24
  Speaker 2: is not only very constructive and puts everyone in a
• 32:28
  Speaker 2: better position long term, but also costs everybody far less
• 32:33
  Speaker 2: money because at the moment you'd be going back and
• 32:35
  Speaker 2: forth with a solicitor and you know, making sure that
• 32:38
  Speaker 2: everything's paid for, and to go to court costs money,
• 32:41
  Speaker 2: whereas a good estate plan can cost anywhere between one
• 32:44
  Speaker 2: thousand and you know, three thousand dollars depending on who
• 32:48
  Speaker 2: you go through and what that looks like and what
• 32:49
  Speaker 2: your structure looks like. And obviously that's just my experience
• 32:53
  Speaker 2: as a financial advisor who does work quite closely with
• 32:56
  Speaker 2: the state planning lawyers. But I just go, that's an
• 32:59
  Speaker 2: investment that you make for your future and for your family.
• 33:02
  Speaker 2: Like you don't get a will for you, you get
• 33:05
  Speaker 2: a will for your family to not have to go
• 33:07
  Speaker 2: through the circumstances that you're going through at the moment,
• 33:10
  Speaker 2: because it's a headache and it's painful, and we want
• 33:14
  Speaker 2: time to grieve the loss of this beautiful person, not
• 33:18
  Speaker 2: have to chase up paperwork and you know, consistently be
• 33:21
  Speaker 2: asked questions in such a clinical manner like, let's use
• 33:25
  Speaker 2: that time far more effectively. So I'm so sorry that
• 33:28
  Speaker 2: you're going through that. It honestly breaks my heart to
• 33:31
  Speaker 2: think that someone in our community is just having a
• 33:35
  Speaker 2: shitty time, like honestly, like calling out what it is.
• 33:40
  Speaker 2: It's just terrible. I'm honestly it breaks my heart. But
• 33:44
  Speaker 2: the next question I do have is how can we
• 33:47
  Speaker 2: support you as she's on the money, Like, what can
• 33:49
  Speaker 2: we do? How can you know she's on the money
• 33:52
  Speaker 2: support you and people like you going through these circumstances?
• 33:56
  Speaker 2: Is it about you going all right?
• 33:57
  Speaker 1: Well?
• 33:58
  Speaker 2: I just want everyone to get will and their estate
• 34:01
  Speaker 2: plans sorted. I just want, you know, people to reach
• 34:03
  Speaker 2: out more or how do we want to approach that conversation?
• 34:06
  Speaker 2: Because sometimes you know, I'm sure that a lot of
• 34:09
  Speaker 2: people in your life just don't know how to start
• 34:12
  Speaker 2: the conversation. They're just like I don't know how to
• 34:15
  Speaker 2: even talk to her because she's been through so much
• 34:17
  Speaker 2: and we don't want to offend or upset her. Like
• 34:20
  Speaker 2: what do we do?
• 34:21
  Speaker 5: I don't know.
• 34:23
  Speaker 6: No, I'm pretty open and honest about everything. And like
• 34:26
  Speaker 6: I said earlier, like that's probably the first question I
• 34:29
  Speaker 6: asked most people when I see them, as have you
• 34:31
  Speaker 6: got a will? And they love that. I go on
• 34:34
  Speaker 6: and say if you don't have a will, like I
• 34:36
  Speaker 6: will slap you. And like you said, you know you
• 34:39
  Speaker 6: don't get a will for yourself? You write that will
• 34:42
  Speaker 6: for the people that you love and it's your legacy.
• 34:46
  Speaker 2: Legacy is a beautiful way of putting it as well.
• 34:48
  Speaker 6: Yeah, just do it like because otherwise nothing that you
• 34:52
  Speaker 6: want or nothing that you expected is going to happen.
• 34:56
  Speaker 4: And if you do want to learn more about wills,
• 34:58
  Speaker 4: we did do a full episode on them and why
• 35:00
  Speaker 4: they are so important because money direst We are very
• 35:03
  Speaker 4: very aligned on that viewpoint with you. But thank you
• 35:07
  Speaker 4: so much for being so candid with us. I think
• 35:10
  Speaker 4: that what you have been through is nothing short of horrific,
• 35:14
  Speaker 4: but there are lots of people who will be able
• 35:17
  Speaker 4: to relate to elements of it, and if you are
• 35:19
  Speaker 4: going through something really difficult, we will have a link
• 35:21
  Speaker 4: in the show notes to Beyond Blue. They are fantastic
• 35:24
  Speaker 4: free not for profit that work really closely with people
• 35:27
  Speaker 4: in the mental health space. Because, like we said earlier,
• 35:31
  Speaker 4: your mental health is so important and I am so
• 35:35
  Speaker 4: supportive of people taking it seriously and giving it the
• 35:38
  Speaker 4: attention that it absolutely deserves.
• 35:41
  Speaker 5: Thanks so much for having me, guys.
• 35:43
  Speaker 2: No, thank you for being so generous with your time
• 35:45
  Speaker 2: and with your story. I'm always very grateful to share
• 35:49
  Speaker 2: stories with our community, but yours especially I think is
• 35:52
  Speaker 2: going to impact a lot of people. And I know
• 35:55
  Speaker 2: that you have everyone in the Shoes on the Money
• 35:58
  Speaker 2: community behind you, like I know who everyone is listening
• 36:01
  Speaker 2: at the moment going oh my gosh, she needs to
• 36:03
  Speaker 2: be so kind to herself, Like what a beautiful human.
• 36:06
  Speaker 2: So thank you for one being in our community and
• 36:08
  Speaker 2: too sharing your story.
• 36:09
  Speaker 6: I'm just so grateful, thanks so much, really appreciate.
• 36:13
  Speaker 5: It, Jess.
• 36:14
  Speaker 2: Now can you wrap the boring but important stuff?
• 36:16
  Speaker 4: Of course, don't forget guys, the advice shared on She's
• 36:19
  Speaker 4: on the Money is general in nature and does not
• 36:21
  Speaker 4: consider your individual circumstances. She's on the Money exists purely
• 36:25
  Speaker 4: for educational purposes and should not be relied upon to
• 36:28
  Speaker 4: make an investment or a financial decision. And we promise
• 36:31
  Speaker 4: Victoria Divine and She's on the Money are authorized representatives
• 36:34
  Speaker 4: of Infocused Securities Australia Proprietary Limited ABN four seven oh
• 36:39
  Speaker 4: nine seven seven nine seven fort nine AFSL two three
• 36:42
  Speaker 4: six five two three.
• 36:43
  Speaker 2: See you on Wednesday, guys.
• 36:45
  Speaker 4: Bye,